Based on our survey of major pet insurance providers, pet insurance costs average $332 annually for cats and around $611 for dogs in Utah, which is 4% cheaper than the national average. However, your pet's breed and age, along with your coverage choice, can make prices vary.
How Much Is Pet Insurance in Utah?
Updated: April 28, 2026
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Key Takeaways
In Utah, dog insurance averages $51 per month ($611 per year), while cat insurance averages $28 per month ($332 per year).
According to our survey, Utah pet insurance costs are 4% lower than the national average for dogs and 4% lower for cats.
Find the best cheap pet insurance in Utah by researching providers, selecting appropriate coverage and comparing multiple quotes.
How Much Does Pet Insurance Cost in Utah?
| Cat | $28 | $332 |
| Dog | $51 | $611 |
*These accident-only coverage rates (which cover injuries but not illnesses) apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for a Ragdoll (7-year-old cat) and a Labrador Retriever (6-year-old dog). While we included most pet insurance providers, some don't have these offerings, which we excluded for consistency.
Our guides below can help you better understand the best pet insurance in Utah across different situations:
What Factors Affect Pet Insurance Costs in Utah?
Below are the key factors affecting pet insurance costs in Utah and how influential they are. Click each factor to see pricing details.
Coverage level
Your deductible, annual limit and reimbursement rate choices have the biggest impact on what you'll pay. Our baseline accident-only rates average $332 to $611 annually, while comprehensive accident and illness coverage ranges from $524 to $1,033 annually for standard parameters.
Pet type and breed
Cats and dogs cost different amounts to insure, and your pet's breed makes a big difference too. Cats are usually cheaper to insure, with annual premiums from $216 to $851, while dogs cost $611 to $1,163 per year since they tend to have more health problems and pricier vet bills.
Pet age
Insurance costs increase as pets age since they become more susceptible to health issues and injuries. In Utah, annual premiums range from $216 for young pets to $2,129 for senior pets, assuming all other factors remain constant.
Location
Where you live affects your rates because of local vet costs and regional risks. Utah pet insurance runs about $28 less for dogs and $15 less for cats compared to the national average. Cities within Utah don't vary much though.
Your vet
When you get quotes, insurers often ask about your vet. Different vets charge different prices, which affects reimbursement amounts and ultimately impacts your premiums.
Average Utah Pet Insurance Costs by Coverage
In Utah, your choice of coverage level is the biggest factor in determining pet insurance costs, with monthly premiums ranging from $18 to $460 depending on your selected coverage and type of pet.
The table below shows comprehensive accident and illness coverage rates. Individual rates may vary significantly based on your pet's specific health history, your chosen veterinarian and other factors, like annual limits.
Data filtered by:
$5,000
80%
$500
| Cat | $44 | $524 | -4% |
| Dog | $86 | $1,033 | -4% |
Average Utah Pet Insurance Cost by Breed
Your pet's type and breed are the second-biggest factors affecting your rates in Utah. Our research shows monthly costs range from about $48 to $225 for dogs and $52 to $71 for cats, depending on your pet's breed.
Average Pet Dog Insurance Costs in Utah
Dog breed influences pet insurance prices. Monthly rates vary from $48 for small mixed breeds to $225 for Bull Mastiffs.
Data filtered by:
Select
| Small Mix (Under 20 pounds) | $48 | $567 |
| Small Mix (11-25) | $54 | $650 |
| Small Mix (10 and less pounds) | $55 | $661 |
| Small Mix (0-20) | $56 | $663 |
| Small Mix (1-10 pounds) | $57 | $681 |
| Mixed breed Small (up to 20lbs when full grown) | $57 | $677 |
| Mixed Breed Small (>10 lbs) | $59 | $697 |
| Mixed Breed Small (11-30 lbs) | $60 | $730 |
| Chihuahua | $63 | $753 |
| Small Mix (11-30) | $64 | $771 |
| Small Mix (25 and less pounds) | $66 | $779 |
| Maltipoo | $66 | $795 |
| Small Mix (22 pounds or less) | $68 | $815 |
| Morkie | $68 | $822 |
| Shih Tzu | $69 | $825 |
| Toy Mix (10 and less pounds) | $70 | $840 |
| Mixed Breed Medium (31-50 lbs) | $71 | $837 |
| Cockapoo | $71 | $851 |
| Jack Russell Terrier | $71 | $852 |
| Cavapoo | $73 | $876 |
| Havanese | $73 | $879 |
| Medium Mix (20-55 pounds) | $74 | $898 |
| Puggle | $75 | $900 |
| Miniature Poodle | $75 | $900 |
| Yorkshire terrier | $76 | $909 |
| Shiba Inu | $76 | $913 |
| Cavachon | $76 | $913 |
| Schnoodle | $77 | $919 |
| Medium Mix (31-59 pounds) | $77 | $928 |
| Toy Poodle | $78 | $935 |
| Medium Mix (26-50 pounds) | $78 | $939 |
| Medium Mix (20-70 pounds) | $79 | $943 |
| Medium Mix (31-50 pounds) | $79 | $944 |
| Papillon | $80 | $956 |
| Maltese | $80 | $957 |
| Groodle | $80 | $958 |
| Australian Shepherd | $81 | $965 |
| Coton De Tulear | $81 | $973 |
| Lhasa Apso | $82 | $979 |
| Miniature Pinscher | $82 | $981 |
| Dachshund | $83 | $988 |
| Mixed Dog (21-50 pounds) | $83 | $995 |
| Pomeranian | $83 | $992 |
| Australian Silky Terrier | $83 | $992 |
| Japanese Chin | $83 | $993 |
| American Hairless Terrier | $83 | $996 |
| Japanese Spitz | $83 | $998 |
| Border Collie | $84 | $1,008 |
| Basenji | $85 | $1,013 |
| Dingo | $85 | $1,018 |
| American Eskimo | $85 | $1,021 |
| Shetland Sheepdog | $86 | $1,023 |
| English Toy Terrier | $86 | $1,024 |
| Large Mix (51-110 pounds) | $86 | $1,030 |
| Pekingese | $87 | $1,041 |
| Miniature Dachshund | $87 | $1,042 |
| Fox Terrier | $88 | $1,050 |
| Peruvian Hairless Dog | $88 | $1,053 |
| Australian Terrier | $88 | $1,056 |
| Labradoodle | $88 | $1,055 |
| Goldendoodle | $88 | $1,057 |
| Miniature Schnauzer | $88 | $1,058 |
| West Highland White Terrier | $88 | $1,059 |
| Border Terrier | $88 | $1,060 |
| Husky | $89 | $1,063 |
| Bichon Frise | $89 | $1,072 |
| Welsh Springer Spaniel | $90 | $1,078 |
| Norwich Terrier | $91 | $1,089 |
| German Pinscher | $92 | $1,100 |
| Miniature Fox Terrier | $92 | $1,103 |
| Brussels Griffon | $92 | $1,105 |
| Siberian Husky | $93 | $1,108 |
| Large Mix (Over 70 pounds) | $93 | $1,120 |
| Norfolk Terrier | $93 | $1,115 |
| Bearded Collie | $93 | $1,115 |
| Giant Mix (111 pounds+) | $93 | $1,119 |
| Large Mix (51-100 pounds) | $94 | $1,124 |
| Large Mix (61+ pounds) | $94 | $1,127 |
| Cairn Terrier | $94 | $1,124 |
| Mixed Breed Large (51-90 lbs) | $94 | $1,124 |
| Medium Mix (23-70 pounds) | $94 | $1,128 |
| Australian Cattle Dog | $94 | $1,129 |
| English Foxhound | $94 | $1,129 |
| Italian Greyhound | $95 | $1,137 |
| Large Mix (55-90 pounds) | $95 | $1,149 |
| Boston Terrier | $95 | $1,141 |
| Finnish Lapphund | $96 | $1,146 |
| Irish Terrier | $96 | $1,148 |
| Whippet | $96 | $1,150 |
| Wire Fox Terrier | $97 | $1,158 |
| Petit Basset Griffon Vendeens | $97 | $1,164 |
| Affenpinscher | $97 | $1,163 |
| Norwegian Elkhound | $97 | $1,165 |
| Icelandic Sheepdog | $97 | $1,167 |
| American Foxhound | $97 | $1,166 |
| Standard Schnauzer | $98 | $1,181 |
| Welsh Corgi Cardigan | $99 | $1,183 |
| Foxhound | $99 | $1,188 |
| German Spitz | $100 | $1,192 |
| Alaskan Husky | $100 | $1,199 |
| Australian Kelpie | $100 | $1,204 |
| Beagle | $101 | $1,204 |
| Mixed Dog (51-90 pounds) | $101 | $1,195 |
| Mixed Breed | $101 | $1,210 |
| Cavalier King Charles Spaniel | $101 | $1,207 |
| English Springer Spaniel | $101 | $1,210 |
| Pembroke Welsh Corgi | $102 | $1,216 |
| Welsh Corgi Pembroke | $102 | $1,216 |
| Giant Mix (110 pounds+) | $102 | $1,223 |
| Large Mix (60-109 pounds) | $102 | $1,223 |
| Medium Mix (26-59 pounds) | $102 | $1,223 |
| Small Mix (0-25) | $102 | $1,223 |
| Welsh Terrier | $102 | $1,225 |
| Field Spaniel | $103 | $1,232 |
| Collie | $103 | $1,231 |
| Pointer | $103 | $1,240 |
| Harrier | $104 | $1,239 |
| Pug | $104 | $1,243 |
| Soft Coated Wheaten Terrier | $104 | $1,245 |
| German Shorthaired Pointer | $104 | $1,247 |
| Keeshond | $104 | $1,252 |
| Mixed Dog (91 pounds+) | $105 | $1,259 |
| Tibetan Terrier | $105 | $1,262 |
| Smooth Collie | $106 | $1,265 |
| Samoyed | $106 | $1,274 |
| Puli | $108 | $1,288 |
| Cocker spaniel | $108 | $1,287 |
| English Setter | $108 | $1,298 |
| Italian Spinone | $108 | $1,300 |
| Giant Mix (100 pounds+) | $109 | $1,295 |
| Basset Fauve de Bretagne | $110 | $1,316 |
| Standard Poodle | $110 | $1,319 |
| Rough Collie | $110 | $1,318 |
| Scottish Terrier | $110 | $1,322 |
| Bracco Italiano | $111 | $1,328 |
| English Pointer | $111 | $1,329 |
| Vizsla | $112 | $1,340 |
| Belgian Shepherd Malinois | $112 | $1,342 |
| Saluki | $112 | $1,343 |
| Afghan Hound | $114 | $1,368 |
| Labrador Retriever | $114 | $1,371 |
| Staffordshire Bull Terrier | $114 | $1,372 |
| Portuguese Water Dog | $115 | $1,374 |
| Corgi | $115 | $1,383 |
| German Shepherd | $115 | $1,380 |
| Irish Setter | $116 | $1,397 |
| Alaskan Malamute | $117 | $1,406 |
| Chow Chow | $118 | $1,408 |
| Briard | $118 | $1,414 |
| Golden Retriever | $120 | $1,435 |
| Airedale Terrier | $122 | $1,462 |
| Clumber Spaniel | $123 | $1,476 |
| Old English Sheepdog | $123 | $1,481 |
| Alsation | $124 | $1,480 |
| Akita | $125 | $1,496 |
| Pitbull | $127 | $1,519 |
| Komondor | $127 | $1,519 |
| Hungarian Vizsla | $128 | $1,538 |
| Petit Basset Griffon Vendeen | $129 | $1,545 |
| Greyhound | $131 | $1,571 |
| Alsatian | $132 | $1,581 |
| Dalmatian | $132 | $1,581 |
| Rhodesian Ridgeback | $133 | $1,592 |
| Bull Terrier | $133 | $1,595 |
| American Staffordshire Terrier | $133 | $1,598 |
| Lurcher | $133 | $1,602 |
| Miniature Bull Terrier | $133 | $1,602 |
| Great Pyrenees | $134 | $1,609 |
| Gordon Setter | $135 | $1,612 |
| Basset Hound | $135 | $1,615 |
| Borzoi | $135 | $1,620 |
| Small Mix (20 and under pounds) | $136 | $1,626 |
| Weimaraner | $136 | $1,626 |
| Giant Mix (90 pounds+) | $138 | $1,641 |
| Estrela Mountain Dog | $138 | $1,657 |
| Mixed Breed Giant (>90 lbs) | $143 | $1,715 |
| Central Asian Shepherd Dog | $148 | $1,776 |
| American Bully | $152 | $1,825 |
| Doberman Pincher | $154 | $1,847 |
| Boxer | $157 | $1,882 |
| Bloodhound | $157 | $1,882 |
| Scottish Deerhound | $161 | $1,929 |
| American Bulldog | $163 | $1,956 |
| Caucasian Shepherd Dog | $168 | $2,011 |
| Large Mix (71+ pounds) | $169 | $2,027 |
| Old English Buldogge | $170 | $2,039 |
| Shar Pei | $171 | $2,056 |
| Medium Mix (21-70 pounds) | $176 | $2,108 |
| French Bulldog | $176 | $2,112 |
| Kangal Shepherd Dog | $181 | $2,168 |
| Cane Corso | $182 | $2,179 |
| Tibetan Mastiff | $188 | $2,251 |
| British Bulldog | $190 | $2,283 |
| Newfoundland | $190 | $2,282 |
| Rottweiler | $198 | $2,370 |
| English Bulldog | $198 | $2,372 |
| English Mastiff | $200 | $2,394 |
| Great Dane | $200 | $2,394 |
| Saint Bernard | $211 | $2,527 |
| Olde English Bulldogge | $211 | $2,534 |
*These rates represent policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
Average Pet Cat Insurance Costs in Utah
Cat insurance costs in Utah change depending on the breed, running $52 to $71 monthly.
Data filtered by:
Select
| Domestic Shorthair | $52 | $624 |
| British Longhair | $53 | $629 |
| Bombay | $53 | $628 |
| Siamese | $54 | $642 |
| Ragdoll | $54 | $645 |
| Russian Blue | $54 | $652 |
| Norwegian Forest cat | $57 | $686 |
| Birman | $58 | $698 |
| Tonkinese | $58 | $697 |
| Chinchilla | $59 | $709 |
| Munchkin | $59 | $714 |
| Devon Rex | $60 | $712 |
| Burmese | $60 | $716 |
| Serengeti | $61 | $726 |
| Himalayan | $61 | $726 |
| Scottish Fold | $61 | $730 |
| Bengal | $61 | $736 |
| Snowshoe | $62 | $741 |
| Cornish Rex | $64 | $762 |
| British Shorthair | $64 | $763 |
| Persian | $64 | $765 |
| Siberian | $64 | $770 |
| Savannah | $65 | $774 |
| Balinese | $65 | $782 |
| Australian Mist | $66 | $785 |
| Sphynx | $69 | $819 |
| Maine Coon | $69 | $822 |
| Exotic Shorthair | $71 | $851 |
| Abyssinian | $71 | $851 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
Average Utah Pet Insurance Cost by Age
Age ranks as one of the top three factors affecting pet insurance costs in Utah, with annual premiums ranging from $216 to $2,129 per year based on your pet's age and expected health risks. The table below shows detailed pricing for different age groups to help you estimate costs for your pet.
Data filtered by:
Cat
| Under 1 | $18 | $216 |
| 1 | $20 | $236 |
| 2 | $21 | $252 |
| 3 | $23 | $276 |
| 4 | $25 | $301 |
| 5 | $27 | $327 |
| 6 | $30 | $355 |
| 7 | $41 | $487 |
| 8 | $35 | $417 |
| 9 | $38 | $460 |
| 10 | $43 | $511 |
| 11 | $48 | $573 |
| 12 | $54 | $644 |
| 13 | $58 | $692 |
| 14 | $64 | $769 |
| 15 | $71 | $850 |
| 16 | $78 | $938 |
| 17 | $80 | $956 |
| 18 | $88 | $1,055 |
| 19 | $96 | $1,149 |
| 20 | $104 | $1,241 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for a Ragdoll (cat) and a Labrador Retriever (dog). Some age brackets may show slight premium decreases due to insurer risk modeling adjustments and sample size variations in our data collection. Overall trends still show increasing premiums with age.
Average Utah Pet Insurance Cost by City
Your city barely affects pet insurance rates in Utah: just a few dollars difference per year. Below are costs for some of Utah's biggest cities.
Data filtered by:
Cat
| Salt Lake City | $28 | $331 |
| West Valley City | $28 | $332 |
| Provo | $28 | $332 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for a Ragdoll (cat) and a Labrador Retriever (dog).
How to Get the Best Cheap Pet Insurance in Utah
Get affordable pet insurance in Utah with this straightforward approach.
- 1Determine Coverage Needs
Understanding how much coverage you need prevents overbuying or underinsuring your pet.
- 2Research Costs and Discounts
Look for multi-pet and bundling savings even though there is limited pet insurance discounts overall. See if you qualify for pet insurance low-income programs.
- 3Evaluate Provider Reputations
Forums show customer experiences with different insurers. Each company's coverage options, waiting periods and claims process should be looked at.
- 4Compare Multiple Quotes
Online quotes cover cats and dogs, but exotic pet coverage requires a phone call.
- 5Review Policy Details
Policy fine print demands close study, particularly exclusions and renewal terms. Look at waiting periods and pre-existing conditions.
Average Pet Insurance Cost in Utah: Bottom Line
Pet insurance in Utah is more affordable than most states. It's cheaper because vet bills are lower here. Expect to pay around $28 monthly for cats and $51 for dogs, though your actual costs depend on your pet's breed, age and coverage choice.
Want better rates? First, determine what coverage you actually need, then shop around. Get quotes from several insurers before you commit.
Pet Insurance Cost in Utah: FAQ
Find expert answers to common questions about pet insurance costs in Utah below:
How much does pet insurance cost in Utah?
In Utah, pet insurance costs an average of $51 per month for dogs, but depending on age, pricing ranges from $31 to $178 monthly. Insuring cats in the state costs around $28 monthly, but monthly pricing varies from $18 to $104 by age.
Is Utah pet insurance expensive?
Utah ranks among the more affordable states to get pet insurance coverage for dogs and cats.
How should I go about buying pet insurance in Utah?
To buy pet insurance in Utah, decide on your coverage needs beforehand, research costs and discounts, look into company reputations and coverage details, and compare multiple quotes.
How We Determined Average Pet Insurance Costs in Utah
All costs in this article are based on standardized pet profiles to ensure accurate comparisons across providers. We used a six-year-old Labrador Retriever for dog insurance quotes and a seven-year-old Ragdoll for cat insurance quotes.
Each quote includes a $5,000 annual limit, 80% reimbursement rate and $500 deductible. These parameters represent the middle-tier coverage most pet owners select, balancing affordable premiums with meaningful financial protection when your pet needs veterinary care.
We adjusted specific factors like pet age and coverage options for certain comparisons, but all pricing starts from this baseline profile. This approach shows you what typical pet owners actually pay rather than advertised rates for young, healthy puppies and kittens.
About Connor Bolton
Connor Bolton is Senior SEO and Content Manager at MoneyGeek, where he leads the business and pet insurance editorial teams. As editorial lead for both verticals, Connor sets the research framework, data standards, and content structure that his writers execute, directly authoring in-depth guides himself and reviewing all team content for accuracy and practical value before it goes live. With over four years evaluating insurance products across personal, commercial, and specialty lines, he brings cross-vertical knowledge to every guide the team produces.
Connor architected MoneyGeek's insurance research infrastructure across all major verticals including auto, home, renters, life, health, business, and pet, building systems for pricing analysis, provider-level research, customer experience evaluation, and coverage analysis with AI support. The infrastructure includes over 6 million data points for business insurance across 408 industry areas, all 50 states, and 16 vehicle types, and over 5 million pet insurance profiles across 18 major providers and hundreds of breed and age combinations. Connor's insurance cost research and his team's work has been cited by the U.S. Chamber of Commerce, Allstate, Liberty Mutual, CBS News, Forbes and LegalZoom.
Beyond the data, Connor stays connected to how the market actually operates, drawing on direct conversations with underwriters and carrier liaisons at Ethos, The Hartford, NEXT Insurance, Nationwide, and State Farm, and monitoring business and pet owner communities including Reddit, to inform how he interprets findings and frames guidance for real buyers.
He is the direct editorial contact for methodology questions at connor@moneygeek.com and can be found on LinkedIn.